LendingClub Statistics
Total Valuation
LendingClub has a market cap or net worth of $1.27 billion. The enterprise value is $464.18 million.
Important Dates
The last earnings date was Tuesday, April 29, 2025, after market close.
| Earnings Date | Apr 29, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
LendingClub has 114.20 million shares outstanding. The number of shares has increased by 4.65% in one year.
| Current Share Class | 114.20M |
| Shares Outstanding | 114.20M |
| Shares Change (YoY) | +4.65% |
| Shares Change (QoQ) | -0.19% |
| Owned by Insiders (%) | 2.99% |
| Owned by Institutions (%) | 76.41% |
| Float | 110.79M |
Valuation Ratios
The trailing PE ratio is 25.31 and the forward PE ratio is 13.59.
| PE Ratio | 25.31 |
| Forward PE | 13.59 |
| PS Ratio | 1.00 |
| Forward PS | 1.28 |
| PB Ratio | 0.89 |
| P/TBV Ratio | 1.05 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 9.15 |
| EV / Sales | 0.39 |
| EV / EBITDA | 3.72 |
| EV / EBIT | 7.19 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 3.97, with a Debt / Equity ratio of 0.06.
| Current Ratio | 3.97 |
| Quick Ratio | 3.45 |
| Debt / Equity | 0.06 |
| Debt / EBITDA | 0.55 |
| Debt / FCF | n/a |
| Interest Coverage | 180.42 |
Financial Efficiency
Return on equity (ROE) is 3.86% and return on invested capital (ROIC) is 2.69%.
| Return on Equity (ROE) | 3.86% |
| Return on Assets (ROA) | 0.41% |
| Return on Invested Capital (ROIC) | 2.69% |
| Return on Capital Employed (ROCE) | 0.71% |
| Revenue Per Employee | $1.19M |
| Profits Per Employee | $50,650 |
| Employee Count | 1,002 |
| Asset Turnover | 0.12 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, LendingClub has paid $13.48 million in taxes.
| Income Tax | 13.48M |
| Effective Tax Rate | 20.99% |
Stock Price Statistics
The stock price has increased by +23.53% in the last 52 weeks. The beta is 2.36, so LendingClub's price volatility has been higher than the market average.
| Beta (5Y) | 2.36 |
| 52-Week Price Change | +23.53% |
| 50-Day Moving Average | 10.41 |
| 200-Day Moving Average | 12.79 |
| Relative Strength Index (RSI) | 58.91 |
| Average Volume (20 Days) | 1,486,288 |
Short Selling Information
The latest short interest is 3.89 million, so 3.40% of the outstanding shares have been sold short.
| Short Interest | 3.89M |
| Short Previous Month | 3.79M |
| Short % of Shares Out | 3.40% |
| Short % of Float | 3.51% |
| Short Ratio (days to cover) | 3.15 |
Income Statement
In the last 12 months, LendingClub had revenue of $1.20 billion and earned $50.75 million in profits. Earnings per share was $0.44.
| Revenue | 1.20B |
| Gross Profit | 283.07M |
| Operating Income | 64.59M |
| Pretax Income | 57.97M |
| Net Income | 50.75M |
| EBITDA | 124.66M |
| EBIT | 64.59M |
| Earnings Per Share (EPS) | $0.44 |
Full Income StatementBalance Sheet
The company has $895.52 million in cash and $77.23 million in debt, giving a net cash position of $818.29 million or $7.17 per share.
| Cash & Cash Equivalents | 895.52M |
| Total Debt | 77.23M |
| Net Cash | 818.29M |
| Net Cash Per Share | $7.17 |
| Equity (Book Value) | 1.36B |
| Book Value Per Share | 11.95 |
| Working Capital | 4.21B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$2.13 billion and capital expenditures -$55.59 million, giving a free cash flow of -$2.18 billion.
| Operating Cash Flow | -2.13B |
| Capital Expenditures | -55.59M |
| Free Cash Flow | -2.18B |
| FCF Per Share | -$19.11 |
Full Cash Flow StatementMargins
Gross margin is 23.68%, with operating and profit margins of 5.40% and 4.24%.
| Gross Margin | 23.68% |
| Operating Margin | 5.40% |
| Pretax Margin | 5.37% |
| Profit Margin | 4.24% |
| EBITDA Margin | 10.43% |
| EBIT Margin | 5.40% |
| FCF Margin | n/a |
Dividends & Yields
LendingClub does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -4.65% |
| Shareholder Yield | -4.65% |
| Earnings Yield | 3.96% |
| FCF Yield | -170.18% |
Analyst Forecast
The average price target for LendingClub is $15.75, which is 41.51% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $15.75 |
| Price Target Difference | 41.51% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 8 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsStock Splits
The last stock split was on July 8, 2019. It was a reverse split with a ratio of 0.2:1.
| Last Split Date | Jul 8, 2019 |
| Split Type | Reverse |
| Split Ratio | 0.2:1 |
Scores
LendingClub has an Altman Z-Score of 0.66 and a Piotroski F-Score of 2. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 0.66 |
| Piotroski F-Score | 2 |